Buy-to-Let Mortgages

Whether you're a first-time landlord or building a portfolio, we find the right buy-to-let mortgage for your investment goals.

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What is a buy-to-let mortgage?

A buy-to-let mortgage is designed for properties you intend to rent out. They typically require a larger deposit than residential mortgages and have different affordability criteria based on expected rental income rather than just personal income. Read our buy-to-let guide for a complete overview.

Our buy-to-let expertise

Standard buy-to-let — single residential properties let to tenants
HMO mortgages — Houses in Multiple Occupation and multi-lets
Portfolio landlords — specialist lending for landlords with 4+ properties
Limited company purchases — tax-efficient structures via SPVs
Holiday let mortgages — short-term rental properties
Remortgaging — refinance existing buy-to-let properties

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Buy-to-let requirements

To qualify for a buy-to-let mortgage you'll typically need (don't forget to check the stamp duty calculator for the additional property surcharge):

A minimum deposit of 25% (some lenders accept 20%)
Rental income covering 125-145% of the mortgage payment — use our mortgage calculator to estimate
A minimum personal income of £25,000 (varies by lender)
To be at least 21 years old (some lenders require 25+)
A reasonable credit history (see our adverse credit mortgages if your credit is imperfect)

Frequently Asked Questions

How much deposit do I need for a buy-to-let?

Most buy-to-let lenders require a minimum deposit of 25%, though some specialist lenders may accept 20%. The more deposit you put down, the better the rates available to you.

Can I get a buy-to-let mortgage as a first-time buyer?

Some lenders will consider first-time buyers for buy-to-let mortgages, though options are more limited. We can advise on which lenders are most suitable for your situation.

What rental income do I need?

Most lenders require the expected rental income to cover 125-145% of the mortgage payment at a stress-tested rate. This helps ensure you can afford the mortgage even if interest rates rise.

Should I buy through a limited company?

Buying through a limited company can offer tax advantages, particularly for higher-rate taxpayers. However, it's not right for everyone. We recommend speaking to a tax adviser as well as a mortgage broker.

Can I get a buy-to-let mortgage on a HMO?

Yes, there are specialist lenders who offer mortgages for Houses in Multiple Occupation (HMOs) and multi-unit freehold blocks. Rates may be slightly higher, and requirements differ from standard buy-to-let.

Tools & guides for buy-to-let

Mortgage Calculator

Estimate your monthly payments

Stamp Duty Calculator

Includes additional property surcharge

Interest Only vs Repayment

Compare mortgage types

Buy-to-Let Guide

Complete landlord mortgage guide

How It Works

Our 6-step process explained

Expert reviewed by

Benjamin Kistell

Senior Mortgage Adviser · CeMAP, CeRER, DipFA

This page was reviewed by Benjamin, a CeMAP-qualified mortgage adviser at Option Finance. All content is checked for accuracy and kept up to date.

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